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Coronavirus 401(k) Blunders —Financial Advisors Share Biggest Mistakes Investors Are Making

Jeff Rose

As the pandemic began ravaging our economy in March of this year, our elected leaders worked tirelessly on a stimulus and recovery plan. Ultimately, they came up with the CARES Act, which included many types of relief for individuals and businesses.

Challenger说:“工作总会有的。公司总是在招聘,只是竞争更加残酷了。”
昨日公布的一项调查显示,就像全国观众在电视机前所看到的一样,买球票来场边观战的,绝大多数是白人和富人。

或许,在纽约尼克斯夺取NBA总冠军的道路上,缺失的关键就是甜瓜(安东尼的昵称)。噢,不,等等,林书豪才是他们欠缺的一环。然而,无论怎样,甜瓜不会妨碍尼克斯的冠军梦。
公司:垃圾处理公司Nation Waste
The PR industry excelled itself with increasingly fancy descriptions for the basic activities of emailing, talking and meeting. Entrants included: “I want to jump on your radar” (a bad idea, as if you jump on radars they break) and “let’s find a time to connect to mutually update”. My favourite came from a PR man named Michael who wrote: “I hope you don’t mind the outreach.” Alas, I do mind. To reach out has always been hateful, but making it a noun, and reversing the word order, does not help. Michael, you’ve won the Communications cup.
n. 碎片,乱七八糟的状态

CARES Act 401(k) Loan and Withdrawal Changes

With a bit of help from Charles Dickens, let’s take a look back at the year in which almost nothing worked: — from $50,000 to $100,000 or 100% of a participant’s vested account balance, whichever is lower. For the time being, those with specific retirement plans — including 401(k)s, 403(b)s, 457s, and Traditional IRAs — can take out a 401(k) loan up to this amount if their retirement plan allows it.

当然在接下来的一段时间中里还有很多事情要解决,还会有更多的推测,更多的享受。祝我们所有的读者度过一个安全愉快的假期,迎来一个崭新快乐的篮球之年。
Martin Wolf
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What does this mean, exactly? While many people who need this money to avoid a financial disaster can take advantage, the rules created by the CARES Act also make it so those who can meet specific requirements set by the Internal Revenue Service (IRS) can take out their retirement money penalty-free in order to build a pool in their backyard, buy a pontoon, or splurge for a huge RV that lets them “glamp” in style.

And yes, there have already been rumors around the financial community of people doing exactly this, or at least planning to. But there are so many reasons you should not take money from your 401(k) unless you absolutely have to. 

You Have to Qualify

For starters, you should know about the specific COVID-related requirements you need to meet to remove money from your 401(k) plan before retirement age without a penalty. While the 针对“亿三恋” 晶电/木林森“合体”开拓印度LED照明商机, the rules relating the CARES Act changes are totally different. 

According to the 全国百城住宅库存量回到7年前, you, your spouse, or your dependent must have been diagnosed with COVID-19 to qualify. If that hasn’t happened, then you can qualify for a penalty-free distribution with this plan if you experienced “adverse financial consequences as a result of certain COVID-19-related conditions,” which could include a delayed start date for a job, a rescinded job offer, quarantine, furlough, any reduction in pay or hours, a loss of self-employment income, or even the inability to work due to not having childcare. 

These are the main ways to qualify, but there are other factors that might work for the exemption as well. 

You’ll Face a Huge Tax Bill

The money in your 401(k) plan and other tax-advantaged retirement plans was put in on a pre-tax basis, meaning you haven’t paid income taxes on it. As a result, you will absolutely owe a tax bill when you take an early withdrawal from your (401(k) — even if the CARES Act lets you avoid the normal 10% penalty.

Financial advisor Matthew Jackson of Solid Wealth Advisors says that you do have the chance to spread the income taxes out over the next three years. However, you should also be aware that a sizable withdrawal may put you in a higher tax bracket and increase your tax responsibility.

受此启发,研究者和科学家们都致力于研发体积小却意义重大的科技成果。
The online notice about the retraction lists all 107 articles and 524 authors, nearly all of whom are clinical cancer specialists from China. The hospitals named are all top public institutions.
While the currency exchange limit has not changed, individuals are now required to disclose specific details on how they will use the funds. Funds can only be used towards current account spending such as tourism and shopping, overseas study, foreign medical care and consulting services. Real estate and other investment spending are explicitly forbidden.

“Ignoring the loss of future income and compound interest, the taxes alone on any withdrawal makes the item you are purchasing that much more expensive,” said financial advisor Tony Liddle. “Assuming a total combined tax rate of 25% for every $20,000 you withdraw, you owe another $5,000 in additional taxes.”

For starters, breaches like that of Bitstamp and the much larger (valued at about $400 million at the time) 2011 hack of the exchange Mt. Gox are often misconstrued as security issues with the currency itself. But they are only signs of flaws in those particular exchanges and not a sign of an issue with the underlying technology. And it is the underlying technology behind bitcoin that most excites. As we wrote in the “Shape the Future” package of our January 2015 issue, most of the vocal enthusiasts so bullish on bitcoin—from big-name entrepreneurs like Marc Andreessen to the developers and miners who spend their days refreshing the bitcoin Reddit page—are more interested in the applications that can be built on bitcoin’s “block chain,” the currency’s foundational backbone, than they are in bitcoin as a monetary system. The block chain allows the secure exchange of any form of value between two entities.
卡尔说:“如果要打赌的话,我赌今年比去年更热。”
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You Will Lose Ridiculous Amounts of Money 

Financial advisor Chris Struckhoff of Lionheart Capital Management points out another dangerous detail you should be aware of — the loss of compound interest you’ll face on the money you take out. 

'Short Term 12' is one of those small indie features that stays with you in a big way. It's only 96 minutes long, a modest production set in a foster-care facility for troubled teens. Yet Destin Cretton's direction and Brie Larson's performance elevate the film to, well, one of the year's very best. Ms. Larson is almost a sure thing for not getting an Oscar-this year's competition is unusually fierce-but do catch up with her portrayal of Grace, a 20-something supervisor who is far from untroubled in her own life.
单词charming 联想记忆:

Here’s a good example. Imagine you decide not to take $100,000 out of your 401(k) to pay for a luxury RV. Thanks to the power of compound interest, that $100,000 would grow to $179,084 if left to grow at a rate of 6 percent over 10 years, but it would surge even higher to $320,713 if left alone for 20 years. 

今年,标普500指数的总回报率为14%,比该指数25年期平均年化收益率高出40%。过去12个月,华尔街的首席战略师们一直在上调其目标值。标普500指数出现了50多次创纪录的收盘,几乎所有专业投资管理人士都卯足了劲,至少要跑平该指数。但有些因素让美股投资者要获得高于基准股指的收益,在今年尤为困难。
8月11日

于上周二发布的《2016胡润IT富豪榜》显示,排在前50名的中国IT富豪的平均财富同比上涨13%,至创纪录的269亿元。
怎么玩扑克?

Either way, it’s important to remember that you’re not just giving up money you have now when you take money out of your 401(k). You’re also giving up a ton of money you would have had if you just left your account alone. 

You’ll Also Raise Your Expenses

北京某投资公司总经理汪杰表示,金融和地产业高管较高的薪酬反映出我国发展不平衡的问题。
“We have resolved this matter and will move forward to build on the important actions Honda has already taken to address our past shortcomings in early warning reporting,” said RickSchostek, Honda executive vice president, in a statement. “We continue to fully cooperate with NHTSA to achieve greater transparency and to further enhance our reporting practices.”

“Buying the splurge item isn't just about the fun usage,” says financial advisor Thatcher Taylor of Taylor Financial. “It is about all of the additional costs that come with it.”

单词invigorate 联想记忆:
Iron ore imports fell 12.3 per cent by volume in October from the previous month and 4.9 per cent from the same month a year earlier while coal imports were down 21.4 per cent from September and 30.7 per cent from a year earlier, according to Chinese customs data.

There’s a reason people laughingly joke that B-O-A-T stands for “Bust Out Another Thousand,” and RVs are notorious for having big repair bills. No matter what you think, you will wind up paying an arm and a leg to keep your fun toy in good condition. 

"Our data show that the user gave her age as 28, not 13, as reported in the media," the employee said.
Yes. There are plenty of positives: earnings, economic growth, and US tax cuts. But they are already known. Stocks look ridiculously expensive by historical standards, but that tells us nothing about short-term moves. Ultimately, it comes down to liquidity, which has driven markets since they emerged from the crisis in 2009. If all goes according to plan, central banks will be decreasing their balance sheets, and removing liquidity, by the end of 2018. If they go through with this, the odds are that the S&P will stall. But even a tiny tremor could make the bankers blink. Expect the momentum to continue.
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China's expenditure on technology research and development rose 10.6% to 1.57 trillion yuan in 2016, the fastest annual growth since 2014, as the nation increases its investment in new driving forces to stabilize the economy.

The Bottom Line: Leave Your Retirement Money Alone

11月份以美元计算的中国出口和进口额都增加了,此前它们经历了两个月的收缩,而且这一增长是在上月美国总统选举后美元升值背景下实现的。
在即将卸任的中国领导层不愿做出任何有远见的决定时,中国必须沿着一条狭窄的道路审慎推进。
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交通银行首席经济学家连平表示,不断上涨的生产者物价可能会在较长的时间内推高消费价格。
与2013-2014赛季的世界各大足球联赛相比,本届世界杯的场均进球确实更多。荷甲以场均进球3.2个高居欧洲各大联赛之首,德甲则以3.16个紧随其后。上个赛季,其他联赛的场均进球都没有超过2.8个。目前,美国职业足球大联盟的场均进球为2.89个。

As financial advisor Taylor Schulte of the 北京一房产突变“商办”楼 300多业主遭遇产权困局 points out, the math is simply not in your favor if you withdraw from your 401(k).

影片评价极高,演技也大获好评,尤其是故事的主人公——那些孩子们,以及汽车旅馆经理的扮演者威廉?达福。
在导演阿方索?卡隆(Alfonso Cuaron)和同事们(其中包括知名电影摄影师艾曼努尔?卢贝兹基(Emmanuel Lubezki)、制片设计师安迪?尼克尔森(Andy Nicholson)和编剧霍纳斯?卡隆(Jonas Cuaron))的共同努力下,《地心引力》丰富了电影的拍摄手法。《美国电影摄影师》(American Cinematographer)杂志上个月的封面故事刊载了关于《地心引力》制作过程的文章,对电影技术感兴趣的读者可以一探究竟。读者们可以在网上阅读该杂志。不过任何看过《地心引力》的观众都已经领会到了该片的情感内涵,这部电影把观众们带进入了一个寂静危险的外太空和一个深度愉悦的内心世界。
佐治亚州萨凡纳市(SAVANNAH, GA.)
单词temporary 联想记忆:

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I am a certified financial planner, author, blogger, and Iraqi combat veteran. I'm best known for my blogs GoodFinancialCents.com and LifeInsurancebyJeff.com and my

I am a certified financial planner, author, blogger, and Iraqi combat veteran. I'm best known for my blogs GoodFinancialCents.com and LifeInsurancebyJeff.com and my book, Soldier of Finance: Take Charge of Your Money and Invest in Your Future. I escaped a path of financial destruction by being a college drop out and having over $20,000 of credit card debt to eventually become a self-made millionaire. My mission is help GenX'ers achieve financial freedom through strong money habits and unleashing their entrepreneurial spirit. My work has been featured in The Wall Street Journal, USA Today, Reuters and Fox Business.